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331 Harbor Blvd, Destin, FL 32541 Property Records

Okaloosa County property record for 331 Harbor Blvd, Destin, FL 32541

Property Summary

Property TypeRetail Store
Details3,400 sqft · built 2000
Lot Size0.49 acres (21,336 sqft)
OwnerCompany Name on Record
Last Sale$1,450,000 (Jul 2023)
Tax Bill$7,959 (2025)
Deeds & MortgagesJul 2023 Sale & Line of Credit
Sep 2019 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APNC56-000-589-6569-0

Property Details

APN / Parcel Number

Primary APNC56-000-589-6569-0
Alternative APNs
  • 00-2S-22-0630-0000-062A
  • 22S20006300000062A

Interior

Plumbing Fixtures7 Plumbing Fixtures
Total Rooms6 Rooms
Stories1 Story
Building Area3,400 sqft Gross Area
1st Floor Area2,170 sqft
Upper Floors Area810 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Exterior MaterialMetal
Construction TypeSteel Frame
Fire ResistanceFireproof Steel Frame
Roof TypeSawtooth
Roof MaterialMetal
Lot Area21,336 sqft (0.49 acres)
Lot Width86 ft Width
Canopy420 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address331 HARBOR BLVD
CityDESTIN
StateFL
Zip32541-2323
Property CategoryCommercial
Property TypeCommercial > Retail > Retail Store
Legal DescriptionDESTIN M/P E 86FT OF W 172FT LOT 6 LYING N OF HWY 98
Legal SubdivisionDESTIN M/P
Legal Lot Number6
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group2
Census Block2008
Census Tract23307

Owner

Source: Okaloosa County records, as of December 31, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing AddressPO BOX 133, CEDAR FALLS, IA 50613-0016
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Jul 17, 2023Warranty Deed, Transfer · Line of Credit
WHITNEY BANK
Sep 12, 2019Warranty Deed, Transfer
ATTORNEY ONLY
Mar 30, 2019Deed of Trust, Mortgage · Line of Credit
FIRST FL BK
Feb 7, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 17, 2023 · Amount on Record
Deed SaleJul 17, 2023 · Amount on Record
Deed Document Number20233635731
Deed Book / Page3683 / 3848
Prior Transfer DateSep 11, 2019
Prior Transfer Doc0034182625
Record UpdatedJun 8, 2026

July 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateJul 17, 2023
Property Address331 HARBOR BLVD, DESTIN, FL 32541-2323
Document Number0036833848
Book / Page3683 / 3848
Map ReferenceMB 25 PG 6
Instrument DateJul 13, 2023
Instrument3635731
Transaction TypeTransfer
Record UpdatedAug 2, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$10,150.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3 CROSS CT, DESTIN, FL 32541-1652

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 133, CEDAR FALLS, IA 50613-0016

Mortgage

Document Number0036833850
DateJul 17, 2023
Instrument3683/3850
Lender
NameWHITNEY BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateSep 12, 2019
Property Address331 HARBOR BLVD, DESTIN, FL 32541-2323
Document Number0034182625
Book / Page003418 / 002625
Instrument DateSep 11, 2019
Instrument3304220
Transaction TypeTransfer
Record UpdatedOct 4, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust

March 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address331 HARBOR BLVD, DESTIN, FL 32541-2323
Document Number0034282750
Instrument DateMar 30, 2019
Transaction TypeMortgage
Record UpdatedDec 6, 2019
Title CompanySETCO SERVICES LLC, SETCO SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3 CROSS CT DESTIN FL 325411652, DESTIN, FL 32541-1652

Mortgage

Document Number0034282750
DateNov 13, 2019
Book Page003428/002750
Instrument3317733
Lender
NameFIRST FL BK
TypeBank
AddressDESTIN, FL 32541
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

February 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOKALOOSA FL
Recording DateFeb 7, 2019
Property Address331 HARBOR BLVD, DESTIN, FL 32541-2323
Document Number0033842434
Book / Page003384 / 002434
Instrument DateJan 29, 2019
Instrument3257688
Transaction TypeTransfer
Record UpdatedJan 14, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3 CROSS CT DESTIN FL 325411652, DESTIN, FL 32541-1652

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
MunicipalityDestin City
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$7,959.00 (+29.69%)$672,069 (+8.7%) Land $547,920 Building $124,149$672,069 (+8.7%) Land $547,920 Building $124,149
2023$6,137.00 (+7.95%)$618,302 (+6.09%) Land $496,650 Building $121,652$618,302 (+6.09%) Land $496,650 Building $121,652
2022$5,685.00$582,797 Land $473,000 Building $109,797$582,797 Land $473,000 Building $109,797

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 21 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies21 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemDESTIN WATER USERS, INC.
private · serves 31,752 people · EPA ID FL1460202
Water SourceGroundwater
Last State InspectionJan 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 478 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
LiveOak Fiber
Fiber		5,000 / 5,000
AT&T
Fiber · Fixed Wireless		5,000 / 5,000
Cox Communications
Cable · Fiber in parts of the area		2,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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